If you're carry a lot of debt on many different credit cards, the chances are that you're juggling a lot of different APR's, payment dates, minimum amounts, balances, and so on.

You're probably paying more than you have to.

Many credit card issuers would be happy to take all the credit card debt from other lenders and roll it into one big debt, usually called a consolidated loan. Because you're dealing with a large amount of money, you can use that as a bargaining chip to get a lower repayment rate.

It's something to consider. By reducing the amount of cards you have, you reduce the hassle. If you can reduce the APR you're paying on the loan, you're saving money too.

Check out this credit card debt consldation article for more tips.